couples

Money is one of the toughest subjects to tackle in marriage. It’s one of the top reasons married couples fight, and it’s a source of constant stress and strain for many couples around the world. But the good news is, you and your spouse can create a healthy attitude around money in your marriage if you know where to start.

It’s important to establish healthy financial practices as early in marriage as possible. Today, we’re sharing three financial habits you can establish to start out on the right foot.

BE RESPECTFUL OF EACH OTHER’S MONEY STYLE

Are you a saver, while your spouse is more of a spender? Savers and spenders have the uncanny ability of finding each other and getting married; it’s rare for both spouses to have the same financial style. And when it comes to spending versus saving, it’s important to have empathy for one another.

First, acknowledge that each of you might be a little more extreme in your stance than you need to be. When you acknowledge your spouse’s voice, it helps to prevent them from becoming more extreme in their money behaviors to protect themselves and their preferences around spending and saving.

The most important thing here is to create a sense of balance and shared ownership in your finances so neither of you acts out the most extreme version of your money tendencies. If you both decide to split bill-paying duties, that will serve as its own form of accountability.

An effective way to generate empathy for one another’s money personality is to go shopping together and reverse roles. If you’re the saver, act like the spender and have your spouse urge you to save. This could completely transform the way you each approach money because it gives you a chance to understand what kind of anxiety you create for each other when you’re digging in your financial heels by either pushing hard to spend or save.

If you’re the spender, maybe you could take over financial responsibilities for a month to see the reality of your expenses. Money will become more tangible when you’re making bank deposits and withdrawals, paying bills, and monitoring the budget. It will also give you empathy for your saver-spouse’s stance.

START A BUDGET TOGETHER

Once you’ve become more familiar with each other’s money style, start a budget. Budgets don’t work unless they’re a shared dream, so carve out some time to put your heads together and create a great starting point for your monthly finances. You’re going to want to do this together; this isn’t a solo act where one person runs the numbers and lays down the law. Look at the numbers together, talk through each issue, and chart a budget you agree on using our handy budgeting sheet (you can download a copy here).

The most important thing to realize when you’re creating a budget is that this is a work in progress; it’s not something you have to set in stone from day one. It’s not finalized; rather, it gives you a healthy starting place to operate from when it comes to spending and saving money.

Once a month, quarterly, or bi-annually, sit down together to take a look at your spending and saving patterns against the budget you established. As you review the numbers, ask yourselves what life has demanded from you in comparison to the budget you created. Talk through what’s negotiable versus what’s not, then adjust your budget to something that’s more realistic for you as a couple. (You can find a deeper dive into getting on the same page financially in this post.)

AUTOMATE YOUR SAVINGS

One of the best ways to save money every month is to put a system in place that will save for you. Set up automatic withdrawals that funnel a certain amount of money into your savings account as soon as your paychecks hit the bank; this creates a disciplined savings routine so you don’t have the option of changing your mind.

The most important thing is to build savings systems that provide automatic discipline so the hard decisions are already done for you. It’s like anything that requires willpower or sacrifice; you have to remove the temptation to spend the money by moving the money out of reach.

If you have a hard time saving toward a specific goal, set goal markers for yourself and build in gratification along the way as you reach each milestone. Maybe you allow yourselves to purchase something you’d like, or maybe you take a nice vacation. Or perhaps you can plan for small, realistic daily rewards. But be realistic; you can’t deny yourselves everything.

YOU CAN DO THIS!

It can feel a little tricky to navigate financial issues together, but you can absolutely find common ground and a way to deal with money in your marriage that works for both of you. Stay patient, empathic, and kind as you create your unique financial style as a couple. The payoff will be worth the preparation!

If you would like help with your relationship or marriage, give CornerStone Family Services a call at 614-459-3003 to talk with one of our counselors or coaches.

Infidelity is the betrayal our society focuses on, but it is actually the subtle, unnoticed betrayals that truly ruin relationships. When partners do not choose each other day after day, trust and commitment erode away.

Partners may be aware of this disloyalty to each other, but dismiss it because it’s “not as bad as an affair.” This is false. Anything that violates a committed relationship’s contract of mutual trust, respect, and protection can be disastrous.

Betrayals are founded on two building blocks: deception (not revealing your true needs to avoid conflict) and a yearning for emotional connection from outside the relationship.

Below are three betrayals that ruin relationships. Only by confronting and taking responsibility for them can couples reestablish their trust in each other.

Emotional Cheating

It’s very easy for platonic friends to bond in the trenches of work, day after day. Sometimes we call this person a “work wife” or “work husband.” Even friendships made at the gym or local coffee shop can threaten the bond at home.

These nonsexual relationships can lead to both parties sharing intimate details about each other’s lives. That doesn’t make it a betrayal. What makes it a betrayal is this: if your partner would be upset by the things you’ve shared or would be uncomfortable watching the interaction.

Tom first learns of his wife’s sexless affair when they hosted a Christmas party. Emily has never mentioned Chris, the new manager of her department. At the party, Chris seems to know about Emily’s entire life. He even brought their son Marshall a Bumblebee Transformer. His favorite.

Tom looks at Emily with a shocked expression. Her sheepish look sinks his heart. When he confronts her after the party, Emily argues about her friendship with Chris. She tells Tom it’s “nothing” because they are “just friends.”

She then turns against Tom and defends Chris. She accuses Tom of being irrationally jealous and tells him it’s the reason he didn’t know about Chris in the first place. Tom feels there is nothing irrational about his jealousy. Whether he admits it or not, his wife is cheating. The evidence lies in her secrecy.

5 signs your partner’s friendship is not an innocent friendship:

Has the friendship been hidden?

Are your questions about the friendship responded with “don’t worry” or discouragement?

Have you asked it to end, only to have your partner tell you no?

Have your boundaries been disrespected?

Is the friend the subject of fantasies or comments during troubled times in the relationship?

If you answered “yes” to any of the questions above, the friendship may be too intimate. Use Dr. John Gottman’s Conflict Blueprint from his book What Makes Love Last? to help talk to your partner about this issue.

Conditional Love

Couples don’t feel supported when one partner keeps a foot out of the relationship. They don’t feel like their partner has their best interests at heart, that they have their back. When this happens, it’s not uncommon for the betrayed partner to blame a trigger as the real problem, when it’s actually the lack of commitment.

As Kristina reflects on her first marriage, she knows she began to feel betrayed when her husband stalled on starting a family. At first she thought he was anxious about becoming a father, but in couples therapy it became clear that he was hesitant to deepen his commitment to her.

Like an anxious lover, she clung onto him with desperation, terrified of losing her marriage until she realized she never really had one to begin with.

Sometimes a partner may pressure the other to marry or move in, believing the “next level” will deepen their connection, but it’s difficult for a marriage to succeed if it is built on a vow to create a strong bond rather than the result of one. The shallowness of the bond will eventually bleed through the connection.

Steps to create unconditional love: When couples ignore or dismiss talking about difficult issues, they are left with a shallow commitment. By using conflict as a catalyst for closeness, couples can intentionally use problems as an opportunity to discuss their goals, fears, and dreams. Couples that unconditionally love each other live by the motto, “baby, when you hurt, the world stops and I listen.”

Emotional Withdrawal

Emotional withdrawal can be something big, like choosing a work meeting over a family funeral, or it can be as small as turning away when your partner needs emotional support.

A committed relationship requires both partners to be there for each other through the life-altering traumas and everyday nuisances. That means celebrating joys and successes with your partner, too.

Everybody has different ways of expressing themselves. In a committed relationship, it is the responsibility of both partners to uncover and disclose these preferences to understand what the other requires to feel loved, protected, and supported. Think of The Five Love Languages.

In his research lab, Dr. Gottman discovered that happy couples turned toward each other 86% of the time, while unhappy couples turned towards each other only 33% of the time. That means unhappy couples withdraw 67% of the time! Emotional withdrawal sets in when bids are ignored.

Do any of the items listed above feel familiar or make you feel uneasy? If so, you may be facing a betrayal. Maybe it’s as serious as finding discomforting text messages between your partner and someone else. This list is not about who is right or wrong. Like sexual affairs, these betrayals can be overcome if you recognize the problem and repair the relationship together.